The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$4,277
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,410
−HK$135/mo
Today · 4.125%
HK$4,545
baseline
▲ 0.50% · 4.625%
HK$4,822
+HK$277/mo
Deposit HK$938K · loan HK$938K · min. income ≈ HK$9,090/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,758
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,886
−HK$129/mo
Today · 4.125%
HK$5,015
baseline
▲ 0.50% · 4.625%
HK$5,279
+HK$264/mo
Deposit HK$938K · loan HK$938K · min. income ≈ HK$10,030/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,132
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,292
−HK$162/mo
Today · 4.125%
HK$5,454
baseline
▲ 0.50% · 4.625%
HK$5,786
+HK$332/mo
Deposit HK$750K · loan HK$1.13M · min. income ≈ HK$10,908/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,710
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,863
−HK$155/mo
Today · 4.125%
HK$6,018
baseline
▲ 0.50% · 4.625%
HK$6,335
+HK$317/mo
Deposit HK$750K · loan HK$1.13M · min. income ≈ HK$12,036/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,988
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,174
−HK$189/mo
Today · 4.125%
HK$6,363
baseline
▲ 0.50% · 4.625%
HK$6,750
+HK$387/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$12,726/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,661
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,840
−HK$181/mo
Today · 4.125%
HK$7,021
baseline
▲ 0.50% · 4.625%
HK$7,391
+HK$370/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$14,042/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,698
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,938
−HK$243/mo
Today · 4.125%
HK$8,181
baseline
▲ 0.50% · 4.625%
HK$8,679
+HK$498/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,362/mo (50% DSR)
Upfront cash ≈ HK$188K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,564
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,794
−HK$233/mo
Today · 4.125%
HK$9,027
baseline
▲ 0.50% · 4.625%
HK$9,503
+HK$476/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,054/mo (50% DSR)
Upfront cash ≈ HK$188K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).